The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,084
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,335
−HK$256/mo
Today · 4.125%
HK$8,591
baseline
▲ 0.50% · 4.625%
HK$9,113
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,182/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,993
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,234
−HK$245/mo
Today · 4.125%
HK$9,479
baseline
▲ 0.50% · 4.625%
HK$9,979
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,958/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,701
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,002
−HK$307/mo
Today · 4.125%
HK$10,309
baseline
▲ 0.50% · 4.625%
HK$10,936
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,618/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,792
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,081
−HK$294/mo
Today · 4.125%
HK$11,375
baseline
▲ 0.50% · 4.625%
HK$11,974
+HK$599/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,750/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,317
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,669
−HK$358/mo
Today · 4.125%
HK$12,027
baseline
▲ 0.50% · 4.625%
HK$12,759
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,054/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,590
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,928
−HK$343/mo
Today · 4.125%
HK$13,271
baseline
▲ 0.50% · 4.625%
HK$13,970
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,542/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,551
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,004
−HK$459/mo
Today · 4.125%
HK$15,463
baseline
▲ 0.50% · 4.625%
HK$16,404
+HK$941/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$30,926/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,188
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,622
−HK$440/mo
Today · 4.125%
HK$17,062
baseline
▲ 0.50% · 4.625%
HK$17,962
+HK$900/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$34,124/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).